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Perfinance Terms and Conditions

Version 1.0 — Effective and last updated August 1, 2026

These Terms govern your use of the Perfinance iOS application, perfinance.carfloapps.com, and related support services during the current demo/pre-release phase. In these Terms, “Perfinance,” “the application,” “the service,” “we,” or “us” refers neutrally to Perfinance or the operator of Perfinance.

1. Acceptance and eligibility

Review these Terms and the Privacy Policy before using an account. The app asks you to affirmatively accept the current versions after authentication and setup and records the version, server timestamp, method, platform, locale and app version. If you do not accept required documents, you cannot use the account. A later material revision may require new acceptance.

You must be at least 13. If you are a minor under applicable law, you represent that a parent or legal guardian authorized your use. Perfinance is not designed specifically for children. Because Google’s applicable Gemini terms restrict API clients for minors, external AI features are available only to people who affirm they are at least 18.

You must have legal capacity to agree, provide accurate account information, protect access credentials and notify support of unauthorized access. One person may not impersonate another.

2. The service

Perfinance helps organize information you enter, including transactions, accounts, categories, budgets, saving goals, private savings, shared expenses, reports, imports and optional AI results. You may enter real, approximate or fictional data. Perfinance does not verify it.

Perfinance is not a bank, payment processor, lender, financial institution, accountant, tax adviser, investment adviser, attorney or fiduciary. It does not connect to banks, request bank credentials, move money or store complete payment-card information.

Features may change for security, legal, provider, maintenance or product reasons. We will use reasonable efforts to avoid materially removing paid functionality during a paid period, subject to law, emergencies and third-party changes. The service is not guaranteed to be uninterrupted.

3. Local data, cloud sync and backups

Financial data is local by default. You voluntarily enable cloud sync through separate consent. Cloud sync is available for Free and Pro accounts, with storage limits shown in the app; it is not a Pro-only feature.

Disabling sync preserves the local device copy and requests hard deletion of synchronized financial data from active cloud tables. Failed deletion is retried. Re-enabling uploads remaining local records. Canceling or losing Pro does not itself disable sync or delete cloud data, although the lower Free storage limit applies.

You are responsible for backups. Local-only information can be permanently lost if the app is deleted, the device is lost/damaged, local data is cleared, or you sign out. Data can remain locally on another signed-in device until removed there.

4. Imports, voice and AI

You may select images, PDFs, CSVs or spreadsheets. Perfinance may make temporary copies, extract text, and create candidate records. You must review each candidate before saving. Temporary original files are not a document-storage feature and are scheduled for deletion after processing/cancellation; interruptions can delay cleanup.

External AI functions require separate consent and an 18+ affirmation. Depending on the function, Perfinance sends a selected document or financial context through its Supabase backend to Google Gemini. Smart Voice can send the transcript after consent; Apple speech services may process audio. Declining AI leaves non-AI features available.

You decide what to submit and must have the right to process documents, names and information about others. Do not submit secrets, illegal content, regulated information, or third-party data you are not authorized to use. Review the per-request disclosure.

AI, OCR, spreadsheet/PDF extraction, voice recognition, categorization, calculations, summaries and reports can be inaccurate, incomplete, duplicated, outdated or misleading. Independently review and correct all data. Output is not financial, accounting, tax, investment or legal advice, and you must not make important decisions solely from it.

5. Perfinance Pro

The initial offer is a monthly auto-renewing subscription:

Actual price, currency, taxes and availability depend on the storefront and Apple pricing. The price and billing period Apple displays and you confirm at purchase control.

Apple bills and manages the purchase. The subscription renews monthly unless canceled at least as required by Apple before renewal. Cancel in Apple account/App Store subscription settings. Cancellation normally leaves Pro active through the paid period; deletion of a Perfinance account does not cancel it. Apple manages payment methods and refund requests. Restoration of eligible purchases is available in the app.

Pro currently unlocks AI-assisted imports, AI chat, Smart Voice, AI analyses/insights, a higher cloud limit, and unlimited local imports subject to reasonable file-size, rate, safety, integrity, device, provider and abuse-prevention limits. AI functions also use quotas/AI Units shown in the app; “unlimited local imports” does not mean unlimited external AI processing.

The Free plan retains non-Pro functions and cloud sync subject to displayed limitations. Features and limits must match the live in-app plan catalog. We may change future prices or benefits with notice required by Apple or law; a price increase applies only through Apple’s permitted process.

6. User content and license

You retain ownership of financial information, documents and other content you provide. Nothing makes private financial data public. Shared-expense participant names are data in your private account, not social profiles.

You grant Perfinance a limited, non-exclusive, worldwide license, for only as long as needed, to host, copy, transmit, transform, extract, display, synchronize and analyze content to provide, secure and support the functions you request. This includes sending selected content to disclosed providers for optional sync or AI. You represent that you have necessary rights and permissions.

Feedback may be used without restriction or compensation to improve the service, but does not transfer ownership of your financial data. Perfinance and its licensors retain all rights in the application, software, design, branding and proprietary service components. No rights are granted except those expressly stated.

7. Acceptable use

You must not:

We may investigate and temporarily restrict an account where reasonably necessary for security, fraud prevention, service integrity or legal compliance. We may suspend or terminate for fraud, illegal activity, material/repeated breach, AI or infrastructure abuse, evasion of restrictions, or threats to Perfinance, providers or users. When reasonably possible, we will provide notice and an opportunity to address the issue, except where delay creates risk, a provider action controls, or law prohibits notice. Mandatory consumer rights remain preserved.

8. Privacy, deletion and providers

The Privacy Policy describes data practices and forms part of these Terms. Cloud and AI consents are separate. Providers include Supabase, Apple, Google/Gemini and RevenueCat; Sentry is conditional; website/email infrastructure is expected to include Cloudflare, Zoho Mail and Resend subject to production confirmation.

You may delete the account in-app. The active authentication, profile and financial data are deleted/anonymized as described in the Policy, while limited billing, subscription, quota, consent, deletion, security and dispute evidence may be retained where necessary. Account deletion does not cancel Apple billing and cannot erase provider-controlled records. Other devices may retain local copies.

9. Third-party terms

Apple’s standard end-user-license terms and App Store rules may also apply. Apple and other providers control their platforms, availability, identity, payments, refunds and provider-held records. Their outages, account decisions or term changes can affect Perfinance. You must comply with applicable third-party terms.

10. Disclaimers

To the maximum extent permitted by law, the service is provided “as is” and “as available.” We do not promise that calculations, classifications, imports, AI results or stored information are error-free, complete, current or suitable for a particular decision, or that service will be uninterrupted. You remain responsible for reviewing data, maintaining appropriate backups, consulting qualified professionals and deciding whether to act.

These disclaimers do not exclude express promises made to consumers, warranties or remedies that applicable law makes mandatory, or liability that cannot legally be limited.

11. Limitation of liability

To the maximum extent permitted by applicable law, Perfinance is not liable for indirect, incidental, special, exemplary or consequential losses, lost profits, loss of opportunity, or loss of local-only data resulting from failure to maintain a backup, where exclusion is lawful. For direct claims, liability is limited to losses that were reasonably foreseeable and directly caused by a proven breach.

Nothing limits liability for fraud, willful misconduct, gross negligence where it cannot be limited, death/personal injury caused by negligence, violation of mandatory privacy duties, or any consumer right/remedy that cannot be waived. Because no monetary liability cap has been approved, these Terms do not invent one.

12. Indemnity

To the extent permitted by law, if your unlawful content or material breach of these Terms causes a third-party claim, you will be responsible for the resulting reasonable losses and costs. This does not apply to the extent caused by Perfinance and does not reduce mandatory consumer protections.

13. Changes, termination and survival

We may update these Terms for legal, security, provider or product changes. Material changes can require in-app acceptance before continued account use. If you do not accept, you may stop using and delete the account; any current Apple subscription must be canceled separately.

You may stop using Perfinance and delete the account at any time. Provisions that by nature must survive—including ownership, payment records, disclaimers, liability, disputes and limited record retention—continue as legally appropriate.

If a provision is unenforceable, it will be limited or separated to the minimum extent necessary and the remainder continues. Failure to enforce once is not a waiver. You may not transfer this agreement without consent; we may transfer it with the service subject to applicable notice and law.

14. Governing law and disputes

These Terms are governed by the laws of Mexico, without depriving you of mandatory consumer or privacy protections that apply where you live.

Before formal proceedings, email legal@carfloapps.com with your name/account email, facts and requested resolution and allow a reasonable good-faith attempt to resolve the dispute. If unresolved, courts located in Guadalajara, Jalisco, Mexico are the preferred forum, except where mandatory law gives you another forum or this choice cannot lawfully be enforced.

Spanish and English versions are intended to be substantively equivalent. We do not designate a controlling language where mandatory interpretation rules apply.

Contact

For questions or requests related to Perfinance, you may use the following contact channels: